i eat at home-good for you and your pocket! i don't drink-good for you and your pocket! idk about the rest. i carry a phone that allows me to talk, text, and use little bit of net, cheap huh? but serves the purpose! i keep track of my bank statement once in a while to make sure that there are no unauthorized transactions. but i still buy random stuffs like filters and lenses for my camera, random electronic gadgets but still i save quite well. i don't have a credit card, no debts, have a few thousands savings, college is running smooooth. just cut down expenses on not so important things. when i'm trying to buy something, i try to get the best deal. before that i think whether it's my need or a want. if it's something i need, i'll buy it. if it's something i want, i usually think and wait for a while before buying it. i don't know what else i can suggest you. what about buying a khutruke?